Motor Vehicle Owners, Uber Drivers, Business Owners — Read This Before Renewing Insurance
Not all motor insurance covers are created equal.
Many drivers only discover this after an accident… when expectations meet reality.
Your car’s use determines the right insurance cover. A private car used for family errands is different from an Uber on the road daily. A delivery van faces different risks from a boda boda rider. A matatu carries different responsibilities from a personal SUV.
That’s why pricing, cover benefits, and claims treatment vary by class.
Common Motor Insurance Classes in Kenya
Private Car Insurance
For personal/family use only.
Ideal for saloon cars, SUVs, family wagons.
Third Party Only: From KSh 5,063 yearly
Comprehensive: From 3% – 6% of car value
Example:
If your car value is KSh 1,000,000 → Comprehensive can start from around KSh 35,000
Commercial Vehicle Insurance
For business use, deliveries, company vehicles, pickups, vans, trucks.
Third Party Only: From KSh 5,063 yearly
Comprehensive: Depends on vehicle value, year, tonnage & use
PSV / Uber / Taxi Insurance
For Uber, Bolt, Little Cab, Taxi, Matatu, Bus, School Van.
Third Party Only: From KSh 7,574 yearly
Comprehensive: Based on vehicle value, seating capacity & year
If you carry passengers for money, private cover is not enough.
Motorcycle Insurance
For boda boda, courier bikes, personal bikes.
Third Party Only: From KSh 3,500
Comprehensive: Depends on bike value, year & use
Why Prices Differ
Your premium depends on:
✔ Vehicle value
✔ Class of use
✔ Seating capacity
✔ Tonnage
✔ Claims history
✔ Add-ons chosen
✔ Area of operation
✔ Driver risk profile
Extra Benefits You Can Add
✔ Excess Protector
✔ Courtesy Car
✔ Road Rescue
✔ Political Violence Cover
✔ Windscreen Cover
✔ Passenger Liability
✔ Entertainment System Cover
How To Buy In Minutes
1.WhatsApp us your logbook / car details
2.Receive multiple quotes
3.Compare prices & benefits
4.Pay securely
5.Get certificate on WhatsApp / Email fast
Buy / Quote Links
Visit:
imana.co.ke |
mykava.co.ke
Motor Insurance:
imana.co.ke/insurance/motor-…
Premium Payment Methods
✔ M-Pesa Paybill 7596117
(Account: Vehicle Reg Number)
✔ Bank Transfer
✔ EFT / RTGS
✔ Card Payment
✔ Office Payment
📍 Visit Us: 4th Floor Krishna Centre Woodvale Grove, Westlands, Nairobi
📞 Call / WhatsApp: 254 113 806 810 | 254 103 806 588 | 254 113 619 635
Before you renew… ask yourself:
Do I have the right cover or just the cheapest paper?
Compare first. Buy smart. Drive protected.
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